Case Study: XTRA Lease achieves 40% headcount reduction and seconds-level credit decisions with Cortera eCredit

Driving Efficiency, Managing Credit Risk

XTRA Lease, a Berkshire Hathaway–owned company based in St. Louis, is the leading U.S. provider of over-the-road trailers with more than 50 locations and a fleet of about 75,000 units. Its decentralized credit organization—53 branches, four regional offices and a small central team—supports over 15,000 companies annually and needed to streamline and automate credit processes to speed decisions and improve accuracy.

By integrating Cortera’s eCredit automated scoring and Cortera Pulse monitoring, XTRA Lease automated its application workflow so branch requests are scored and returned in under 30 seconds, with non‑approved cases routed for review. The change cut credit-department headcount by 40%, reduced processing time from days to seconds, and—with daily Alerts and monthly CFO reports—gave managers timely risk insight to focus on complex accounts while maintaining service levels.

XTRA Lease

John Pomilio

Vice President, Customer Financial Services